Tips – Visitors Health Insurancehttp://www.ivisitorinsurance.com
Visitors Health InsuranceThu, 14 Sep 2017 16:42:05 +0000en-UShourly1https://wordpress.org/?v=4.8.25 Different Types of Evacuation Coverage Explainedhttp://www.ivisitorinsurance.com/visitors-health-insurance/5-types-evacuation-coverage-explained/
Thu, 22 Jun 2017 16:49:43 +0000http://www.ivisitorinsurance.com/?p=3992When you travel to a foreign country you do not expect to be hit by a serious disease or suffer an accident. You don’t expect to be caught up in a political or environmental disaster. These disasters are far from your mind when you book your vacation or business trip. But it is important to consider that while these events may be rare, they could happen – and the cost to you could be high.

In particular, it is important to consider how you may need emergency evacuation or repatriation if you suffer an accident or illness abroad. You may need to be airlifted to a hospital or taken home in a private plane. Emergency evacuation can be extremely costly. Different types of travel health insurance exist and there are many medical evacuation and insurance companies to cover this risk.

But many people simply do not realize they need this type of insurance. Discover more about protecting your health abroad and the different types of evacuation insurance coverage you can purchase to safeguard your trip and your wellbeing.

1) Medical Evacuation
This type of insurance coverage is mainly tailored to providing air transportation to the closest suitable medical facility when a person suffers a severe and unexpected illness or injury. For example, you may fall and hit your head in a remote area of a foreign country where the nearest hospital is four hours by road. Or you may suffer a heart attack on board a cruise ship and need to be flown ashore.

Medical evacuation insurance gives you the assurance that you will be treated in a hospital with the necessary facilities, even when you have to fly to get there, and you won’t have to pay for it out of pocket. In many cases you may need to be transported not to the nearest facility but to the most appropriate treatment center. This would usually cost tens of thousands of dollars, and can be covered by medical evacuation insurance.

In the case of some types of cover, you may receive the money to be transported back to your home country after your condition has stabilized. This is part of some plans and not others, so it is useful to check with the insurance company.

2) Emergency Evacuation
Another type of evacuation coverage is emergency evacuation. This type of cover is for travellers who are threatened with natural disasters or environmental problems that require immediate evacuation because their safety is at major risk. This could occur if a hurricane struck a tropical island, or a terrorist attack occurred in a city. In the case of this type of cover, there is not necessarily injury or illness involved. The cover helps to protect a traveller by ensuring they are removed from the location of risk.

3) Political Evacuation
Another type of situation where evacuation may be required is in cases of political crisis. This situation is much like the emergency evacuation cover, and it means that the traveller will be removed from the location where political events or emergencies put their safety or life at risk.

4) Emergency Reunion
This type of cover allows for a family member to travel with you when you are being evacuated due to a medical emergency. They may also receive living expenses such as accommodation costs.

5) Repatriation
Also known as return of mortal remains or repatriation of remains, this is cover which is created to cover the cost of transporting your body back to your home country should you die overseas.

Why Is Evacuation Insurance Important?
A major event like serious illness or accident is stressful at the best of times but it is 100 times worse when you are overseas, where you do not speak the language, and where you do not know which medical facility is best. Emergency evacuation insurance helps make certain that you will be given the best treatment, wherever that may be situated.

Emergency evacuation insurance also ensures you do not get faced with a huge bill for an air ambulance. It saves having to use life savings or remortgage the house in order to get the right treatment. It could ultimately save your life.

Do I Need Emergency Evacuation Insurance?
In many cases, such as the requirements for international students, it is necessary to have evacuation cover as part of your overseas health insurance. In other cases it is not necessary, but it is probably highly recommended to have evacuation cover.

Check whether your insurance covers evacuation. Insurance policies will usually cover medical treatment at a suitable facility, but they may not cover transport to your home country if the facilities are not adequate, or to a facility which is further away but better equipped to handle emergency cases.

]]>7 of the Most Common Immigration Mistakes People Makehttp://www.ivisitorinsurance.com/visitors-health-insurance/7-common-immigration-mistakes-people/
Mon, 22 May 2017 04:53:48 +0000http://www.ivisitorinsurance.com/?p=3981Immigration is a complicated process and applying can be a time-consuming and difficult task. Unfortunately thousands of applications are rejected every year for small mistakes in the forms or the procedure used. The best thing you can do when you are going through the immigration procedure is to be prepared, be thorough, and be aware of these common mistakes so you can ensure you do not make them.

1) Filling Out the Wrong Forms

All immigration procedures are complicated and require multiple forms to be filled. For example, there are many different USCIS forms on the website for different purposes and circumstances. One of the most common mistakes people make when completing the immigration procedure is to forget important forms or to fill out the wrong forms. It is worth looking three or four times at the forms you need to fill in order to make sure you are completing the right ones. Also, you do need to make sure that you are actually eligible for the immigration route you are applying for – if you are not eligible, filling in the forms is not going to make a difference.

2) Failing to Submit All the Paperwork

Also, there is the possibility that you forget to submit other supplementary information that is requested in the application procedure. There are a variety of different documents needed to help support your application, such as other forms of identity and documents that prove your address or your marriage status. Since it can be confusing to know which documents you need, put together a checklist and work your way through it, looking at the immigration process on the relevant website.

2) Getting the Wrong Address

Sometimes people make a very basic mistake and submit the paperwork to the wrong USCIS address, or even to the wrong organization. This can cause delay and confusion, but it also may result in your application being invalidated and you have to start again.

3) Failing to Translate Documents

If you are applying to the United States then all documents need to be in English. However, there are occasions when the documents will be in another language, for example your birth certificate, and in these cases you also need to supply an official translation. This means that a translation must be certified, which in turn means that you need the translator to certify that their translation is correct and complete. Some countries need all translations to be signed by a notary public or to use a certified professional translator.

4) Failing to Sign the Document

Unfortunately some people put an incredible amount of work into the application but then forget one vital point – to sign the document. You won’t necessarily be denied immigration status but it will certainly result in your application being returned, which will mean more time and more money spent on resubmitting the application.

5) Not Paying the Right Fee

Double check that you know the right fee to pay when you are submitting an application. Again, it can be complicated to know what you need to pay so make sure you have got it right. And make sure you are paying with the right form of payment – often you will not be allowed to pay with a foreign check, for example.

6) Getting Hit By a Scam

If you are having a problem applying then an email or advert that comes along at the right time promising to help your application can be really tempting. But unfortunately there are scams out there that cost you and the system large amounts in time and money. You may even face deportation. It is very important to learn that not all people who offer help are qualified to do so, and not to fall for a scam that requires you to pay money for a solution you are not going to get.

7) Mistakes or Inconsistencies in the Application

It is very easy to let a mistake creep into the application but this is one surefire way to have your application rejected. Double check the information you send, making sure you have cross-checked all different forms you are completing. Make sure that your spellings are consistent across all documents, particularly in the spelling of foreign names. Don’t leave sections blank. If you are unsure whether you have to fill out a certain part of the form then ask for help, instead of adding N/A or a question mark. You also shouldn’t guess but fact check your answers before you fill them in.

]]>What Does The 2017-18 Indian Budget Mean For NRIs?http://www.ivisitorinsurance.com/visitors-health-insurance/2017-18-indian-budget-nris/
Thu, 16 Mar 2017 16:44:42 +0000http://www.ivisitorinsurance.com/?p=3969The dust from the 2017-18 Indian Budget has settled and now we can see more clearly what it means for certain groups of Indian citizens. As usual, rates cuts and rates rises affect different people in different ways. We’re looking at how this year’s budget affects non-residents. What does the 2017/2018 Indian Budget mean for the Non-Resident Indian (NRI)? Is it good news for the NRI, indifferent, or bad?

Highlights of the Indian Budget 2017/18

The Indian Budget includes the following key highlights, which affect workers in India. The first is a cut in Income Tax rates to 5 percent for those people who earn between ₹2.5 lakh and ₹5 lakh. The second key change is to cover the losses that this first rate cut involves, and it is a 10 percent surcharge on incomes that are above ₹ 50 lakh and up to ₹1 crore. There will also be a 15 percent surcharge on incomes above ₹1 crore.

What NRIs Want From the 2017/18 Budget

An NRI is an Indian citizen that resides abroad for purposes of work or another vocational pursuit. They are deemed to be non-residents, and as such are subject to different tax laws. The Indian Budget, put forth in February, sets out a number of different ways in which NRIs are affected by the Budget.

NRIs had hoped for some changes to be brought into the budget which would affect NRI taxation in a positive way. The problems for NRIs include not being able to claim tax refunds when they do not hold a local bank account in India. This has been a problem affecting many individuals for many years. There is no system of paying a refund into a bank where the account is held outside of India. And with Indians being non-resident, the very fact that they do not live in India excludes them from operating a bank account within the country.

NRIs are asking for the introduction of an electronic system that will allow NRIs to get refunds as well as file their tax, without having to hire a middleman in India to carry out these tax return duties. They are asking for alternative sources to the Tax Residency Certificate (TRC) to be developed, which can be found in the country of residence. They are looking for taxation on the same level as resident Indian citizen, and they want to benefit from clearer property taxation systems.

The ongoing difficulties with property tax include that the Tax Deducted at Source (TDS) on the Sale of Property is not applicable to someone who is an NRI and who wants to sell property. It is not possible to benefit from exemptions in tax when they go through the process of selling an Indian property to a foreign company. There are many different documentation procedures that have to be in place including the possession of a certificate for lower tax deductions or tax non-deductions.

There have been new systems initiated by the government that make it easier for NRIs to invest in real estate in India. The Real Estate Reform Act has enabled processes to be streamlined, as well as transparency improved and the amount of affordable properties increased.

…And What They Got from the Budget This Year

NRIs may have expected much but they got very little specific from the budget in February. The budget looked at the importance of TEC—Transform, Energise and Clean—but NRIs saw nothing specific for their needs within the documentation. NRIs expecting this focus on tax reform were disappointed.

The reform in the issue of direct remittance to a foreign bank account was not included in the budget. There was no direct mention about any of the problems faced by NRIs inside the whole of the budget, leading to anger from many NRIs currently living outside the country.

NRIs play an important role in the Indian economy as individuals and families send earnings home to India which support the local economy. NRIs are claiming for the same tax rights that resident Indians can make use of when they live in the country. But with a greater focus on investment and infrastructure creation, the budget could mean a better deal for NRIs through better access to job opportunities and investment opportunities that could help to grow wealth.

]]>10 Things You Need to Know During Breast Cancer Awareness Monthhttp://www.ivisitorinsurance.com/visitors-health-insurance/10-breast-cancer-awareness-month/
Sat, 22 Oct 2016 14:46:14 +0000http://www.ivisitorinsurance.com/?p=3932Every October, the nation observes Breast Cancer Awareness Month in order to increase knowledge about breast cancer, empower women to take control of their health and check for breast cancer, as well as help raise fund for researching into ending this killer disease.

Breast Cancer Awareness Month is an important event on the health calendar. Breast cancer is one of the most common forms of cancer worldwide, and beating breast cancer will help millions of women live longer, healthier lives. Now is the perfect time to shed some light on breast cancer and uncover the truth about this disease. Find out what is breast cancer and what you need to understand this month as the world becomes more informed about breast cancer prevention and cure.

Breast cancer is not limited to the breasts. You can experience the disease in different parts of your body that have breast tissue, and breast tissue reaches up to the collarbone and it extends into the armpit. In order to screen for breast cancer you need to check in these places too when you do your breast-aware self check.

Breast cancer symptoms include more signs than just a lump. It’s true; a lump is usually the most common first symptom of this cancer but signs also include itching, bumps on the skin, discharge, and more. If anything looks different with your breasts, it is worth having it checked out by a doctor.

A breast cancer lump normally feels like a solid, immobile mass that is fixed beneath the skin. That doesn’t mean that if you feel something like this, you have cancer – most lumps turn out to be benign – but if it doesn’t go away within a few weeks or it gets bigger, visit the doctor for a check.

Young women are less likely to get breast cancer. The National Cancer Institute says that two thirds of women who have breast cancer are older than 55 years. It is much more common to suffer from the disease as you get older, so if you are young and you discover a lump it is probably nothing to panic about – but see a doctor to make sure.

If breast cancer is diagnosed early the survival rate is much higher. In fact, if the cancer is discovered while it is still at Stage 1 the survival rate at five years is around 98 percent. Even if the cancer is at stage III when diagnosed, you can still get a survival rate at five years of 72 percent. It is vitally important to do preventative checks so if cancer does occur, it is found as early as possible.

Overall, the chance that a woman will die as a result of breast cancer is around three percent. In the United States there are now more than 2.8 million women who have survived the disease, including those who are still undergoing breast cancer treatment.

The death rate from the disease has been dropping since 1989. But that doesn’t mean we are winning the fight against breast cancer. There is still much to learn about this disease.

You don’t have to have a family history of breast cancer to get it. Around 75 percent of breast cancers happen to people who have no family history of the disease. It is still not completely certain what causes breast cancer to happen and why a woman becomes the first in her family to experience the disease. Don’t think that since your mom didn’t have breast cancer, you can skip the exams.

Around 246,660 new cases of breast cancer will be discovered in women in 2016, according to the American Cancer Society. This makes it likely that around one in eight women, or 12 percent of women, will get breast cancer within their lifetime. It is so important to regularly check the breasts and the surrounding area for signs of the disease. You can get more information on breast cancer and how to check for breast cancer here.

Increased adaptation of the western lifestyle, increasingly urban living, higher rates of obesity, and extended life expectancy, have all contributed, experts believe, to increased breast cancer in the developed world.

]]>10 Things that May Surprise First-Time Visitors to Americahttp://www.ivisitorinsurance.com/visitors-health-insurance/10-surprise-first-time-visitors-america/
Wed, 28 Sep 2016 15:32:45 +0000http://www.ivisitorinsurance.com/?p=3926People often have a perception of America. While many of the thoughts of the country are accurate, some aren’t, and that can surprise many first-time visitors to the states. The following are 10 things that surprise many first-time Americans.

#1: The People in America Are Very Friendly

Most people in the United States are friendly. They speak to you as if you are their long lost friend. They will engage in conversation, especially if there isn’t anyone behind you in line when you’re ordering food or buying something.

This can make some foreigners uncomfortable; as many countries only speak to people they know. When visiting America, it’s perfectly fine to just smile and say hello. Americans ask questions not to be rude, but to show they are nice. If you’re able to remember that, it won’t feel so uncomfortable.

#2: There’s a Lot of Food

There’s food everywhere. When you order food, there will be a lot of it on your plate. Americans love to eat and they have big appetites.

You can take the food you do not eat with you back to where you are staying for later. The waiter or waitress will ask if you want to box it up or if you want a “doggy bag.”

#3: Tipping 20%

Tipping is a big deal in the United States. It’s customary to tip between 15 to 20 percent the cost of the food or service, if the service was satisfactory. If the service was not satisfactory, 10 percent can be given. If the service is extremely bad, no tip will show how upset you were and won’t be returning.

#4: Commercials for Prescription Drugs

Prescription drugs make America wealthy, so there are many commercials for them on television. These commercials inform people what conditions they treat to discuss them with their doctor.

You will hear a long list of side effects during the commercial. Some of those side effects may alarm you, but try not to worry. Some of them are rare, but people need to be informed about them.

#5: Attractions Are Far Apart

Visiting America and seeing everything in one visit is impossible unless you stay for years. All of the attractions in the country are spread far apart, so it takes days to get to unless you fly. Even so, with all of the things to do, it would take a long time to experience it all.

#6: Lack of the Metric System

Only one out of three countries doesn’t use the metric system – America is one of them. You will need to learn how to convert from inches, miles, and pounds, so you can understand how far something is or how heavy it is as you’re shopping.

If you have a smartphone, you can do conversions easily. After a while, you’ll get used to it and be able to do it easily in your head. By the time most foreigners leave, they can do it almost instantaneously.

#7: American Pride

Many people are proud of their country, but Americans is extremely proud. They fly flags, have parades, and often wear red, white and blue. You can often see people exclaiming how happy they are to be American.

#8: Americans Love Sports and Exercising

Even though a lot of Americans are overweight (approximately 37% percent), there’s a huge population of people who are obsessed with sports and exercising. You will regularly see people rushing to the gym, running in the streets, and playing many different types of sports even if they aren’t on a team. Fitness is part of many Americans’ lives.

#9: Huge Stores

Huge stores, like Wal-Mart, have just about anything you can imagine. The variety in this store and many others astounds many visitors to America. There aren’t many places that have thousands of items for sale like the ones in America.

#10: Waste

Americans can be wasteful. Leftover food is usually thrown out. When clothes don’t fit, they are thrown away. Most things are disposable because it’s convenient. American throw items away at alarming rates, and this surprises many people from other countries who use items for as long as possible.

Every country is different. However, there’s an appeal to America that many foreigners have because of its uniqueness. If you’re considering a trip to America, just be sure to know that it is different, and that those differences may surprise you. As long as you keep an open mind, you’ll have a great time.

]]>Debunking the Common Flu Shot Mythshttp://www.ivisitorinsurance.com/visitors-health-insurance/debunking-common-flu-shot-myths/
Thu, 31 Dec 2015 14:04:16 +0000http://www.ivisitorinsurance.com/?p=3869Flu shots offer good level of protection against the virus leading to the disease. Yet several myths persist about the disorder. It is important you know the reality about flu shots.

To safeguard against specific diseases, vaccination is a necessary defense people adopt. However, mass awareness about safety and usage of certain vaccines is far from clear. Influenza vaccines often referred as flu shots are meant for protecting from influenza. Since the influenza virus morphs fast, every year new types of vaccines are developed, two times. The flu shots can offer medium to high level of protection from the disease. There are various myths and misconceptions prevailing about the flu vaccine.

Below listed are the top myths of Flu vaccines that need to be resolved:

Myth: Taking the flu vaccine can induce flu!
This is possibly the most widespread flu vaccination myth you can hear. The flu vaccine that is administered to adult men and women is made with dead virus. So it is not possible that it will induce sickness into your body! The nasal vaccine does contain a live version of the virus, but it is made with care so that the user does not get affected.

Myth: Taking flu vaccine can harm a woman who has conceived
On the contrary, a woman who has conceived should take the flu shots. The vaccine can offer protection to her and the fetus as well. Health experts feel not taking any vaccine can prove to be risky for such a woman. If the pregnant woman gets infected with flu virus the extent of illness can be severe.

Myth: People with strong immune system can do without it
If you have a strong immune system that is fine, but that does not mean you will forever be safeguarded from the virus minus vaccination! It makes more sense to step up your defense against the virus than letting it wreak havoc with your health.

Myth: Taking flu vaccination once can protect you next year too
This is one big mistake! Unlike other infections like tetanus and measles, flu vaccination is needed multiple times in your life. This is because of the morphing nature of the flu virus. The flu strains change every year and so last year’s vaccine is ineffective this year.

Myth: Flu can be handled with antibiotics
This is a fundamentally wrong idea. Influenza is not a bacteria induced disease. A disease induced by a virus can only be treated with antiviral medication or vaccination.

Myth: Vitamin C intake can help thwart flu
It is true that Vitamin C intake helps boost your immune system to an extent. Taking enough vitamin C in various forms may help your body fend off certain germs and infections eventually. However, Vitamin C is no solution for fighting off the flu virus! You will need the vaccination for that purpose.

Myth: The flu vaccine starts working right after intake
This is far from the reality. Beyond doubt, it will help you safeguard from the flu virus. However, in most cases, the vaccination starts building defense in some time. This can be two weeks or so before the flu-fighting antibodies can develop.

Myth: The Flu Vaccine has serious side effects
Not everyone has the same condition and immunity and so they react to the administering of same medication or vaccinations in diverse ways. The same is true about flu shots and there is nothing to be alarmed about it! Some people do develop a few side effects after taking flu shots and light to moderate side effects like swelling and redness can develop. Nasal flu vaccine can cause coughs, headache and nasal congestion. But these side effects slowly subside without many hassles.

Myth: If you are not vaccinated by Thanksgiving, it is too late for a flu vaccination
Medical experts feel, the vaccination can be beneficial even if you take it late- say after Thanksgiving. Flu seasons do not remain the same every year. While seasonal flu disease is at its peak in January or February, in some years the virus may persist till May.

Taking flu shots is the right step to safeguard your immunity. However, you just cannot sit content with the vaccination! It is also necessary that you use preventive measures like using mediated soaps and hand sanitizers during the season.

]]>10 Cruise Ship Health Tipshttp://www.ivisitorinsurance.com/visitors-health-insurance/10-cruise-ship-health-tips/
Mon, 01 Jun 2015 10:15:19 +0000http://www.ivisitorinsurance.com/?p=3718Most cruise trips are a dream come true and cruise travelers enjoy a happy and healthy trip. But whenever you travel you are at risk of illness and injury. Cruise ships pose problems for travelers in the form of tummy troubles, seasickness, jetlag, sunburn and more. But don’t worry. It is relatively easy to stay healthy on board ship. You just need to take a few common-sense precautions with these cruise ship health tips. No one can guarantee you won’t get sick, but you will have a better chance of avoiding cruise ship bugs and dangers.

1. Do Your Research on Vaccinations
Effective cruise health guidance suggests that you make sure you check the health status of each country you will be visiting so you can look out for malaria and vaccine recommendations. Even if you don’t think you will be disembarking at a particular port it still makes sense to have the vaccinations and in many cases it will be required. In the case of malaria you may not need to take anti-malarial if you are not onshore at night when the mosquitoes bite, but seek professional advice before you make your decision. Make an appointment at the travel clinic or with your physician at least a couple of weeks before you sail and take along a copy of your itinerary.

2. Get Travel Insurance
While all cruise ships will have medical facilities they may be basic and they will not be free. If you fall sick you may need to be taken to the nearest onshore facility and you will need to pay for the cost of transfer and your treatment. Health insurance is essential for your cruise journey.

3. Check Out Travel Sickness Remedies
Even if you do not normally suffer from travel sickness or motion sickness you never know when it may strike. Ask your pharmacist for anti-sickness medication to take with you. You can also try ginger tea or dried ginger, eating green apples, and booking a low-level cabin.

4. Use Hand Sanitizer
One of the most important items in your bag will be your alcohol-based hand sanitizer. Use it a lot, particularly during your shore visits and when you get back on ship.

5. Always Wash Your Hands
Practice basic hygiene safety and wash your hands before meals and after you visit the bathroom. Coupled with hand sanitizer, regular hand washing with soap helps prevent many of the most common infections on board ship.

6. Protect Yourself From Insect Bites
Many of the destinations for cruise ships are areas where insect-spread diseases like chikungunya and dengue fever are common. There are no vaccinations for these diseases so you need to try as much as you can to prevent bites by using insect repellent and covering up in the evenings when you are on shore.

7. Take Care on Deck
Decks and walkways can be hazardous, particularly in bad weather or after rain. Take care when walking on deck and particularly in rough weather. Never sit or stand on a deck or balcony railing.

8. Don’t Forget Your Sunscreen
Many activities both onboard ship and onshore expose you to strong sunshine which can cause sunburn and dehydration if not properly managed. Protect your skin with high-quality, high-factor sunscreen, wear a hat, cover your arms and shoulders, and wear sunglasses.

9. Drink Plenty of Water
Staying hydrated helps you stay healthy whether you are on an excursion or sitting by the pool. Drink water all day (make sure it is bottled water in areas where the local water is unsafe), and watch out for the amount of alcohol you drink – substitute an alcoholic drink with water to avoid overindulging.

10. If You Are Sick, Speak Up
Report any illness early to the medical team onboard the ship – don’t leave it too long otherwise you risk complications, or passing on something infectious in the close quarters of the vessel. If you experience symptoms of cough, fever, flu, or diarrhea when you get home, tell your doctor as soon as possible and say you have been on a cruise.

Follow these guidance and have a healthy and fun trip. Take care, and enjoy!

]]>Top 10 Adventure Destinations in the worldhttp://www.ivisitorinsurance.com/visitors-health-insurance/top-10-adventure-destinations-world/
Wed, 14 Jan 2015 12:03:00 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=1670Travellers today are more interested in going on holidays that are adventurous and exciting. If you haven’t made your travel plans and are looking for something adventurous, here are a few incredible places:

1.New Zealand – The rugged beauty of New Zealand will leave travellers awestruck and Queenstown in particular, is an adventure traveller’s paradise. Pick any extreme sport and you will find it here, be it bungee jumping, heli skiing or careening in high-speed jet boats. Milford Sound is another beautiful place in New Zealand with ancient rainforests, tumbling waterfalls, sparkling lakes and imposing snow-capped mountains. Travellers can experience the scenery, exploring the place by kayak, on foot or by air.

2. Africa – Africa offers the best experience for adventure travelers. There are enormous national parks where lions, elephants and gorillas roam free. Kenya, Tanzania and Zambia and Kruger National Park in South Africa are the best places for viewing wildlife safaris with mild climates and offering comfortable accommodation. In South Africa, sand boarding is an activity that attracts professionals and amateurs from around the world. Atlantis Dunes are very popular for their perfect sand boarding conditions besides offering a fantastic view of the city.

3. India – Being a geographically diverse country, India attracts adventure tourists from all over the world. If you are looking forward to diving and snorkeling, then Goa is the place to go to wish plenty of options for aquatic fun. If you prefer trekking, then head to the northern region to experience the high Himalayas, quaint little villages and Buddhist culture. A trip to the famous Valley of Flowers is a must, with almost 300 species of bright colorful flowers in one location.

4.The United States – The U.S. is teeming with options as far as adventure tourism goes. If you enjoy mountain climbing, then you will love going to Colorado with almost 53 peaks over 14,000 feet. For mountain biking, Utah has some of the best trails in the world. Sky diving in Florida is a big draw for adventure travellers today. The drop zone is located on the east coast of Florida, offering a free fall over the Atlantic Ocean, making it one of the most scenic sky diving spots n the world.

5.Costa Rica – The rain forests of Costa Rica is known for its spell binding beauty as it is for its adventure activities. You can indulge in some zip lining over the rain forest canopy near the Arenal volcano or kayaking in the Tortuguero National park.

6.Sri Lanka – With its palm-studded beaches, rolling plantations and a host of adventure options, Sri Lanka is coming into its own as a popular adventure destination. For trekkers and hikers, the highlands with sacred mountains, lush rainforests and tea gardens provide an unforgettable walking experience. Then there is rock climbing for amateurs as well as experienced climbers on the mountain ranges. Hot air ballooning is a huge favorite with sunrise rides capturing the magical experience of dawn around the Sigiriya Rock. Whale watching is a big draw and Sri Lanka is a vantage point to observe blue whales, pilot whales, pin whales and a huge variety of dolphins.

7. South America – Argentina is a huge country of mountain ranges, rain forests, lagoons and glaciers. The country offers plenty of options to adventure tourists while exploring a diverse and unique landscape. Backpackers and climbers will love the Patagonia region that offers great options for white water rafting too. The Iguazu Falls region is famous for its rainforests while the Tierra de Fuego in the south, provides a taste of the Antarctic.

8.Croatia – Croatia in Eastern Europe is an undiscovered adventure travel destination. With its pristine nature and pleasant climate, the region offers plenty of outdoor activities like sea kayaking, canoeing, river rafting, sailing, hiking and more. Travelers who love the water will love sea kayaking and sailing on the magnificent Adriatic Sea while those fond of diving will love to dive the various ship wrecks that are off the coast. Trekkers and backpackers will enjoy the scenic mountain trails with beautiful views of the surrounding countryside. One should not miss the hike to the Ucka Mountain through dense forests that opens up to a breathtaking view of Kvarner Bay.

9. Australia – Australia’s sprawling outback is untouched by human expansion. With a winning combination of beautiful flowers, exotic birds and plentiful wildlife, it draws thousands of tourists every year. Since the outback is mostly uninhabited, it has an aura of adventure that attracts tourists from all over the world. Scuba diving in the Great Barrier Reef in Queensland, Australia has to be one of the best adventurous activities ever. With an amazing diversity of marine life such as reef sharks, green turtles and huge barracudas, it is on top of the list for many scuba enthusiasts.

10. Iceland – As far as adventure destinations go, Iceland occupies one of the top spots. It is famous for its geysers, glaciers and an amazing coastline. Iceland is one big volcanic island with over 800 natural hot springs spread across its pristine landscape. Iceland has a diverse geography from glacial lakes to grassy slopes to stunning volcanic mountains. The countryside is a hiker’s paradise with long stretches of fields, countless waterfalls and vast plains. Adventure enthusiasts can go for caving in ancient lava tubes, walking on glaciers and viewing the northern lights.

]]>Mosquito Borne Illnesses – How to Stay Healthy While Travellinghttp://www.ivisitorinsurance.com/visitors-health-insurance/mosquito-borne-illnesses-stay-healthy-travelling/
Thu, 25 Sep 2014 11:20:27 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=1661According to a recent estimate, over one million people die from mosquito borne diseases every year and over 300 to 500 million cases are still reported annually in the world. If you are planning international travel, you need to ensure that you stay healthy to enjoy your vacation. Nothing beats the thrill of exploring new places and discovering new cultures, but you should remember that there is also a downside to travel. Visiting a foreign country also means getting yourself exposed to diseases that you would not find in your own country.

Mosquito borne illnesses are a huge concern for travelers. Mosquitoes are just not little insects that cause an itch, they can carry some dangerous diseases like Malaria, Dengue, Chikungunya and others that can cause serious complications and sometimes even result in death. All these dangerous diseases are becoming increasingly common among tourists, so you need to be aware of what to protect yourself from the next time you are travelling out of the country. Though earlier mosquito borne diseases were considered to be tropical in nature, now there is an increasing incidence of cases reported from European countries and other parts of the world too. The majority of these cases are from travelers returning from areas such as sub Saharan Africa, South and Central America and South Asia where they would have been exposed to these diseases. Lately, malaria infections have reduced worldwide owing to better mosquito control but dengue fever has been on the rise.

Mosquito borne illnesses

International travelers should be aware of the risks involved and take sufficient precautions to prevent mosquito borne illnesses. Malaria is a major illness in tropical parts of the world and spread by mosquito bites. The symptoms appear 10 days to 4 weeks after infection with fever, chills, muscular aches and diarrhea and nausea. Some forms of it can be fatal and can lead to kidney, brain and liver damage and can even prove to be fatal. Travel to regions like Latin America, the Caribbean, Asia and Africa can expose you to diseases like malaria and dengue. There is no vaccine currently available for malaria, so travelers to malaria risk areas are advised to follow an appropriate drug regimen and using anti mosquito measures. A course of anti malarial tablets can be started 3 weeks before departure and should be continued for a further 4 weeks after return.

Yellow fever is another serious viral disease spread by mosquito bites that is found in tropical South America and sub Saharan Africa. This disease can be fatal and many countries require a certificate of vaccination and the inoculation should be given 10 days prior to departure date. If your trip takes you anywhere in Asia, South America or Africa, get a yellow fever vaccination from a certified travel clinic to protect yourself.

Encephalitis is a serious mosquito borne disease that has neither an approved vaccine nor an effective drug to cure its victims. When an infection occurs, there are few resources on how to deal with it. It is very harmful to infants and children and can cause coma and death and survivors experience mild to severe neurological damage.

Illnesses like Dengue and Chikungunya were only experienced by natives earlier, but now they are becoming increasingly common among international travelers. Symptoms include joint pain, high fever and headaches and start within a week of being infected.How to protect yourself

While the risk of infections and diseases is high when you are traveling internationally, there are some preventive measures that you can take to reduce your risk.

Be sure to check whether mosquito borne diseases are a problem where you intend to travel

Make sure you discuss with your doctor the countries and regions you will be visiting and the prescribed medication

Before traveling anywhere, get the suggested vaccines; they can reduce or even prevent the severity of a disease

Even if it is a last minute vacation plan, always carry some insect repellent sprays, which contain at least 30 to 50% DEET

Keep your arms and legs covered after sunset and while trekking in jungles and use mosquito nets to protect you while sleeping.

Always protect yourself and be prepared for any health problems you might encounter while traveling, so you get to make the most of your trip.

]]>Safe Skiers Don’t Need Insurance?http://www.ivisitorinsurance.com/visitors-health-insurance/safe-skiers-dont-insurance/
Mon, 16 Dec 2013 10:22:11 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=1424I was reading a article in the ITIJ and it made me think of a particularly trying time in hospital in France, waiting for the results of x-rays in a busy, stressful hospital. I never used to bother with insurance and traveled to the same ski regions every year or so for 20 years and never had a problem with injury, but that time I ended up with a broken ankle and a nice bill sliding through my door on my return. If I was a good, careful skier, took no risks on the slopes and consistently suffered no more than a sunburned nose then why did I need insurance? It turns out even the most cautious of snowbirds sometimes ends up on the wrong end of a misplaced tree.

A recent survey by Sainsbury’s Bank showed how ski injury claims are soaring in certain regions of the world. For example, ski claims for injury by British holidaymakers leapt by 97.5 percent from 2010 to 2011 in Bulgaria. Other European destinations see a similar upward trend in ski injury claims. However, in other parts of the world the reverse is happening. New Zealand’s Accident Compensation Corporation (ACC) wrote a report showing ski injury claims were down dramatically in the same time period. Why the difference, and does it mean that you can get away without buying insurance if you are skiing in the southern hemisphere?

Ski injuries dropped in New Zealand, according to the NZ Snowsports Council, because of the implementation of an injury prevention program. In the last six seasons, according to experts, the injury rate per 1,000 visits dropped by 30 percent. These safety initiatives include improved trail design (no more running into areas of unsuitable snow by mistake), improved signs to help skier stay on the right path, machine-made snow for a smoother ride, dedicated safety personnel, a new Snow Responsibility Code and a National Incidence Database with accident reports, ski binding testings, and a lot of information and awareness campaigns for skiers before they hit the slopes.

If the resort is well-run and you get the benefit of these extra safety initiatives, do you still need insurance? It’s true that there are many ways you can take matters into your own hands by protecting yourself on the slopes. Wear a helmet. This is one of the easiest ways you can be safer on the slopes. In fact, several insurers deem it to be so important that they will not cover skiers who do not wear a helmet, for example Essential Travel insurers in the UK. Learn how to fall correctly – if you end up in the snow without dropping your poles first you can break your thumb. Wear protective gear and make sure all your clothing and equipment is well-maintained and fits you properly. If you are a beginner, make sure you have a few lessons before you hit the slopes so you know how to handle yourself in the snow. Similarly, if you are a beginner don’t take on too much and steer clear of difficult conditions.

You can be safe but you never know when some idiot is going to come barreling down the mountain on a run they are not prepared for, and crash into you. Like me, you could consider yourself an extra-cautious skier but other people are not. Insurance may not save you from accidents but it will save you from the bill. Take, for example, the Atlas Travel Series With Hazardous Sports Rider. You get sports travel insurance with an emergency medical evacuation service, including good coverage for ski injuries – the hazardous sports rider includes snow skiing and snow boarding. You may not consider skiing to be a hazardous sport but it can be expensive if things go wrong – an air ambulance can cost up to £9,000. Plus, once you’ve bought your insurance package you can forget about it and concentrate on being the best skier on the slopes this season.

]]>Benefits and Challenges of a Vacation in Thailandhttp://www.ivisitorinsurance.com/visitors-health-insurance/benefits-challenges-vacation-thailand/
Mon, 07 Oct 2013 12:18:11 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=1220Thailand is one hundred vacation destinations in one package and that package is definitely something to treasure. Visiting Thailand gives you beaches, mountains, oceans, and cities and one trip is never the same as another. What exactly does Thailand offer the traveler? What are some of the highlights of a Thai vacation? And are there any issues or problems you need to watch out for when you travel to Thailand?

Take the sandy route

Thailand’s beaches are deservedly famous. Think about a picture of a perfect beach and you’ll probably come up with an image from Thailand. The white sand curves into azure sea, the palm trees make shady arches over the beach, and the sun sets crimson and gold into the water. Thai beaches are mythical places and offer the opportunity of complete relaxation if you need it. You can also take part in more active pursuits, such as water sports, diving and snorkeling, and enjoying a candlelit dinner close to the ocean. Thailand is also home to world-famous Full Moon parties – dance the night away under the full moon with the assistance of a few tropical cocktails.

The south of Thailand is dotted with paradisiacal islands, some of which are uninhabited and a long boat ride from the mainland. Others are set up for tourism with resorts and boutique hotels.

Thailand: all about choice
Whether you want a spa break at a luxurious resort, a honeymoon suite by the water or a cheap wooden hut on the sand, Thailand offers something for all budgets, in both accommodation and facilities. A recent boom in construction of top-end resorts and spas means you won’t be short of options for a special vacation. And, of course, Thailand has long been known for its backpacker-friendly budget accommodation and food.

Enduring popularity of Thailand
If all this talk of sandy beaches and luxury spas has got you booking your plane ticket then you’re not the only one. The ITIJ reports that numbers of international tourist arrivals are soaring in 2013. The Ministry of Tourism and Sports in Thailand says the first quarter 2013 figures are up just over 19 percent on last year. Almost 9 million trips were made in January and February 2013, compared with 4.4 million in 2012. The Songkran Festival was cited as a major draw for foreign tourists. And where do these tourists come from? Surprisingly, Eastern Europe, Sweden, Finland, Russia, and Denmark supplied the most visitors. This is different to the usual expectation that UK tourists make up the majority of Thai visitors.

Be a responsible tourist
Many 21st-century travelers try to leave as small a footprint as possible when they travel overseas, and want to consider how their visit affects the local population. This applies to the country of Thailand which, as a developing nation, deals with complex issues surrounding sustainable tourism. It’s a shame that more people don’t look at travel insurance from the point of view of the host country, instead of wondering how they can save money by traveling without insurance. The Thai Public Health Ministry, as reported in the Bangkok Post and in an ITIJ article, is considering making it essential for foreign tourists to have travel insurance before they can visit Thailand. Overseas health insurance for visitors would ease the burden on small local clinics and hospitals that treat tourists but often find it difficult to later recover the costs from foreigners.

With Thailand’s numerous attractions, variety of accommodation and gorgeous climate, the number of visitors will continue to rise. And Thailand’s hospitals will need to deal with increasing numbers of foreign visitors who do not, or cannot, pay for their medical treatment. Visitors to paradise could consider the effect their presence has on the local economy and population, and give a little back by making sure they are properly covered by medical insurance.

]]>Older and Wiser? Age Matters in Travel Insurance Uptakehttp://www.ivisitorinsurance.com/visitors-health-insurance/age-matters-travel-insurance-uptake/
http://www.ivisitorinsurance.com/visitors-health-insurance/age-matters-travel-insurance-uptake/#commentsFri, 13 Sep 2013 11:03:10 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=1126Do you consider yourself a young, happy-go-lucky traveler who prefers to save as much money as possible so you can see more of the sights and experience more of the country? Or a mature, cautious visitor who cares about the good things in life and prefers to take a more luxurious approach to travel? I see myself in the first group – I love to explore new cultures and see as much as my dollar will allow – but I’m far from a teenager. Reading this report in the ITIJ started me thinking about whether age matters when talking about travel preferences and risk-taking on vacation.

Recent research shows that the gap between younger, less experienced travelers and the older traveling crowd is large when it comes to purchasing travel insurance. The article talks about research from the UK Foreign and Commonwealth Office, ABTA – the British travel industry association – and the over-50s insurers Saga. This research shows that young travelers are least likely to travel with insurance.

According to the figures, half of all 15- to 24-year-olds regularly go abroad without purchasing travel insurance. However, older travelers are not completely secure, either. Research from the Foreign and Commonwealth Office showed 10 percent of the over-50s had gone on vacation without insurance in the last five years. These figures were concerned with UK travelers. In the US, around 80 percent of retirees buy travel insurance while nearly 44 percent of young Canadians (aged 18 to 34) bought none.

Young travelers tend to downplay the risks associated with traveling abroad, to themselves and to their long-suffering parents. By choosing not to take out travel insurance they are trying to save money for “more important” aspects of travel like accommodation, food, and fun. Older travelers – so the story goes – are more aware of the risks and less willing to put themselves in danger by traveling without insurance. Older travelers are assumed to have more money, so an insurance policy represents a small percentage of their total vacation spend.

But the problem with these reports is they generalize wildly. Older travelers often don’t think about the risks involved in a trip to a European capital city. Some young travelers are super-cautious when it comes to planning their journeys. Plus, travel preferences are increasingly blurred along the generational lines. Fifty-year-olds go bungee jumping and 20-somethings take art history tours. The problem of traveling without insurance crosses generations, countries and genders. The article talks about the problem of holidaymakers who travel without insurance as a global one. The truth is, older and younger travelers need to think about what kind of insurance they need based on their activities and destinations, not their age.

For example, the young-at-heart (whether that’s a fresh-faced teen or a wrinkly retiree) need comprehensive cover for adventure sports – skiing, hiking, snowboarding, jet skiing, diving and other active pursuits. Those travelers who go off-the-beaten track also need to consider emergency evacuation insurance for when their travels take them far from medical facilities.

For the mature, more careful traveler who spends a lot of money on a vacation there are different insurance priorities. Baggage cover becomes essential, as does insurance for a hire car or for trip cancellation. Putting down a lot of money as a deposit for a cruise or a safari makes trip cancellation insurance a must for this demographic.

Age matters somewhat when it comes to travel but it is increasingly difficult to define travel preferences, and uptake of travel insurance, based on how old a traveler is. All travelers should think about insurance because it is better to be safe than sorry – whether you are an experienced voyager or a happy-go-lucky vacationer.

]]>http://www.ivisitorinsurance.com/visitors-health-insurance/age-matters-travel-insurance-uptake/feed/2Top 5 Travel Insurance Mythshttp://www.ivisitorinsurance.com/visitors-health-insurance/top-5-travel-insurance-myths/
Fri, 09 Aug 2013 06:33:31 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=986Travel insurance is designed to protect you and your money should something go wrong on your trip. Yet despite the publicity surrounding travel insurance and its benefits, many people still choose to go on an overseas vacation without it. Here we expose the top five myths about travel insurance.

1. Travel insurance is too expensive. After spending thousands of dollars on flights and hotels many people decide there is no more room in their budget for insurance. However, the range of policies available today means there is an affordable one within your reach and it could save you thousands in medical bills.

2. I won’t need travel insurance. Of all the myths about insurance, this is surely the most dangerous. Many people don’t purchase travel insurance because they assume nothing will go wrong with their trip and they won’t need it. Or they don’t buy insurance because they are traveling to a resort where they are sure they won’t need extra assistance. The fact is, medical emergencies can happen anywhere and it can be a disaster if they happen abroad and you are not covered by travel health insurance.

3. Airlines, credit cards and domestic health plans will insure foreign travel. This is not likely to be completely true. Sure, credit cards may offer some protection but you will not be comprehensively covered. And medical expenses abroad are not normally covered under domestic health insurance plans.

4. If you need to cancel your vacation, you will get your prepaid deposits back. This is not necessarily true. Read the small print and you find you cannot get all your money back if you need to cancel your accommodation or flight. Only with trip cancellation insurance can you rely on complete cover.

5. Economical travel insurance doesn’t come with extras. Not true – even cheaper insurance plans give you access to a telephone hotline where you can find out information about getting medical treatment abroad, and how to claim on your insurance policy.

]]>Impromptu Road Trips Popular in UShttp://www.ivisitorinsurance.com/visitors-health-insurance/impromptu-road-trips-popular-in-us/
Mon, 29 Jul 2013 05:45:18 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=976There’s nothing like slinging a few bags into the car and setting off on the open road for a few days’ break. According to a recent survey from PhoCusWright nearly a quarter of US adults went on a road trip in the past year. And one in five of those road trips were unplanned and travelers booked their hotel or motel stay from the road.

The freedom of the open road and the chance to see a new area of the country are too much to resist for increasing numbers of Americans. And the US road trip is made even easier with the use of smartphones and other internet-enabled devices. Travelers don’t need to plan ahead; they can use their phone to research lodging options and call from the car to secure a bed for the night.

The old-fashioned way is still popular – spotting a sign for a motel as the sun sets and deciding to pull in off the road for the night is still an option for road trippers. Some of the best travel experiences come from these spur of the moment decisions. But with a smartphone travelers have more options, and may find a better deal or a nicer place with the help of an internet search.

Smartphones and tablets are also useful for researching what to do and see. Apps are available that tell you the location of landmarks and places of interest as you near them in the car. You can get information about restaurants and bars in the towns you pass through, and check out online reviews of hotels and guest houses. With a smartphone in hand the road trip turns into an adventurous discovery that is also risk-free and convenient. Travelers are not likely to be stuck in the middle of nowhere with no lodging options, unless the battery runs down.

]]>Tips for Southern Hemisphere Ski Seasonhttp://www.ivisitorinsurance.com/visitors-health-insurance/tips-for-southern-hemisphere-ski-season/
Fri, 05 Jul 2013 09:24:43 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=871It may be summertime in the northern hemisphere but the ski season is just getting started in the southern hemisphere where winter is approaching. Popular destinations in South America and Asia are gearing up for visitors, and snow has begun to fall in large quantities in many of the popular resorts. Make sure you enjoy a great ski season if you are traveling to the southern hemisphere by following a few pieces of advice.

Most importantly, make sure your travel insurance is up to scratch. Whether you are new to the slopes or a veteran of the black runs, travel insurance is essential for each and every ski trip you make. The right insurance gives you peace of mind, and will cover you for lost or damaged equipment as well as provide money for medical treatment if you are injured on the slopes. Travel insurance can also give you financial protection if you need to cut your vacation short or if you are unable to take your trip as planned.

Make sure you get the correct insurance by speaking to a professional about what you need and which plans provide the necessities. There are a number of different plans available so you must be careful when choosing to ensure you are covered for your destination and the activities you will be taking part in.

Check the provisions for bad weather cancellation – this is especially important when it comes to ski trips. Also make sure you are aware of the policies regarding cover when you rent equipment or when you bring your own gear. Then sign up to the relevant insurance package and look forward to your ski trip, safe in the knowledge you will be protected whatever happens on or off the slopes.

]]>FCO Advice for Travel to Indonesiahttp://www.ivisitorinsurance.com/visitors-health-insurance/fco-advice-for-travel-to-indonesia/
Tue, 25 Jun 2013 15:19:20 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=861The UK’s Foreign and Commonwealth Office has issued new advice regarding tourist and business travel to Indonesia. While the FCO stresses that most visits to the country are problem-free, it does advise visitors to follow certain advice, which applies to all travelers and not only those from the UK.

There have been several recent abductions of foreign nationals in the Aceh region of Northern Sumatra, and visitors should be aware of their surroundings and travel carefully in this area. Take care also when large political or social demonstrations take place in the country. Foreign travelers should avoid these large public gatherings if possible. In general, there is a high degree of threat from terrorism in Indonesia and national holidays like Christmas and New Year have a greater potential for danger.

Flooding has recently occurred in Jakarta, providing potential health problems for visitors. When traveling in this area be aware of the increased risk of waterborne diseases, and also the risks that floodwater and submerged objects pose to travelers. In addition to flooding, other environmental factors to watch out for include volcanic eruptions, and the possibility of tsunami. Tsunami is rare, but obviously has a huge impact on the country and the lives of its inhabitants.

Foreign visitors are warned that drugs offences are considered serious in Indonesia and some offences even carry the death penalty. As with all foreign travel, visitors must respect the laws in the countries they visit. This also apples to the consumption of alcohol. Even with these warnings in place, Indonesia is still a popular place to visit and most travelers have a rewarding time without incident. Make sure you take out travel insurance before you go, and research your trip before setting off in order to have the safest and most enjoyable vacation possible.

]]>Cheaper Travel: Carry-on Bags Onlyhttp://www.ivisitorinsurance.com/visitors-health-insurance/cheaper-travel-carry-on-bags-only/
Tue, 11 Jun 2013 05:01:45 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=842Looking for a way to get a cheaper flight and save on your travel costs? If you travel light you could save cash on a number of flights across Europe. UK-based carrier British Airways recently announced it will offer cheaper flights for many of its popular European routes but the catch is passengers can only take carry-on luggage. The lighter flights will go from Gatwick, London to Turin, Jersey, Amsterdam, Tunis and Dubrovnik. Passengers will be able to board with hand luggage but no hold baggage can be checked in.

Traveling with only a carry-on bag may seem impossible if you are the kind of person who wants to pack for every eventuality. But taking one bag on vacation or a business trip can save you time and effort, as well as money. You lessen the worry of lost luggage because you always keep your belongings with you, and you don’t have the hassle of carting heavy suitcases through the airport.

If you want to try traveling with just carry-on luggage you will need to pack a little more carefully rather than throw everything in. But it is possible to take just one case. You need to pare down your packing – never pack things just in case you need them. Most things, if you need them, can be bought at your destination.

Slim your suitcase by taking just one book rather than a whole pile (or a Kindle or electronic reader), one pair of shoes that are multipurpose, and wear your heaviest items of clothing on the plane. Choose multi-purpose items of clothing to pack such as trousers that zip off into shorts, and sarongs that can be worn as skirts or dresses. Take lightweight clothes that don’t crease and a smart scarf (for ladies) and a smarter shirt for gents.

]]>Hand Luggage Restrictions for UK Airportshttp://www.ivisitorinsurance.com/visitors-health-insurance/hand-luggage-restrictions-for-uk-airports/
Thu, 30 May 2013 12:01:45 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=843If you are traveling from, through or to a UK airport you need to be aware of the restrictions in force regarding hand luggage and bags you place in the hold of the plane. Checking restrictions before you fly could save you a considerable amount of stress and also the possibility of having items in your baggage confiscated. Take a look at what is allowed, and what is banned, on planes leaving from the UK.

If you can, pack the majority of your liquids in the baggage you check in. There is a limit on the amount of liquids you can carry with you in your carry-on luggage. Liquids in your hand luggage must be in containers that hold no more than 100ml, and they must be packed in a clear, re-sealable plastic bag. The bag should be able to hold no more than one liter of liquids, and you shouldn’t tie it or knot it. You are limited to one bag per person.

Liquids include all drinks, cosmetics such as creams, mascara, lipstick and oils, sprays, pastes and gels. In addition, you can carry one cigarette lighter onboard but you must keep it on your person. You will not be allowed to travel with any item that security staff consider dangerous, even if it is not dangerous to you. Any item that doesn’t meet security rules is liable to be taken away by authorities and you are unlikely to get it back.

It is important to be prepared for pre-boarding security to minimize the time taken in line and also to avoid problems. Rules may change so keep up to date by looking online. Make sure you check with the airline how many bags you can board with. All airlines are different and the restrictions vary between carriers.

]]>Who Should I Buy My Visitor Insurance Policy From?http://www.ivisitorinsurance.com/visitors-health-insurance/who-should-i-buy-my-visitor-insurance-policy-from/
http://www.ivisitorinsurance.com/visitors-health-insurance/who-should-i-buy-my-visitor-insurance-policy-from/#commentsMon, 06 May 2013 09:52:44 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=813With so many different ways of buying visitor insurance it can be difficult to know where to start. Individual brokers, travel agents, online comparison sites and travel insurers direct all over good deals on international travel insurance but how do you know where to go to make your purchase? Another factor you need to take into consideration is the insurer itself – does it make a difference if you buy insurance from an American company for visiting the US, or should you purchase a policy from an insurer in your home country?

Experts advise buying insurance from an American insurance company if you are traveling to the United States, and not from your native country. The reason behind this is convenience and ease of use. Doctors in the United States are used to accepting US insurance cards but may be less familiar with foreign insurance packages. While foreign insurance is accepted it is easier for healthcare administrators in the US to deal with a domestic company. You may find it easier to process the claim and get any problems cleared up.

Purchasing your insurance online is a good way to get a fair price and the right coverage for you. When buying online you can browse the different policies available and find the one that suits your needs. If you require extra help you can call the agents to find the answers to your questions.

Buy your insurance from a reputable online company and one that deals with top-rated insurers. This will prevent you having problems with coverage and will also ensure a better customer service experience. Make your purchase as soon as you have finalized your travel plans, and make sure you are covered for the entire time you will be away.

]]>http://www.ivisitorinsurance.com/visitors-health-insurance/who-should-i-buy-my-visitor-insurance-policy-from/feed/2How to Travel with Prescription Medshttp://www.ivisitorinsurance.com/visitors-health-insurance/how-to-travel-with-prescription-meds/
Mon, 22 Apr 2013 16:52:44 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=814No one wants to end up short of essential medication 1,000s of miles from home. Nor does any traveler need the hassle of explaining to officials what their meds are for and that they are legal. Traveling with medication can be difficult but a few simple steps can ease the pain of taking prescription drugs abroad. Here’s how to make traveling with meds a breeze.

Before you travel, discuss your medical conditions and your need for medication with your doctor. There may be side effects associated with your drugs that you will only experience abroad, such as photosensitivity or an upset stomach. Take note of any precautions your doctor suggests you take. Also ask him or her to increase your prescription temporarily so you have a stockpile of meds to take with you. You may need more than you expect if your flights are delayed or you lose some.

Take an extra copy of your prescription in case your drugs are lost or stolen. Make a note, and carry it with you, of the generic name for your drugs as medication will be sold under different brands abroad.

Pack medication in original containers in your carry on luggage. If your meds are in liquid form that exceeds the quantities you can carry onboard you need to declare them as you pass through security. Check the rules for bringing your medication into your destination country. There may be limits to how much you can bring, and some prescription meds are even classified as illegal narcotics in certain countries. Make sure you have a signed doctor’s note stating the medications are for your own use and for the stated medical conditions. In this way you can avoid hassle at border control once you reach your destination. Check if you are ready for a your travel completely before you set off.

]]>Avoiding Delays at Securityhttp://www.ivisitorinsurance.com/visitors-health-insurance/avoiding-delays-at-security/
Mon, 15 Apr 2013 09:52:44 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=811Travel can be stressful and one of the biggest hassles travelers experience is delays. Of course, some delays are completely out of your control such as bad weather, airport workers’ strikes, mechanical failure and too many people trying to travel at the same time. But some delays can be avoided if you plan ahead and stay sensible when you travel. For example, the delays you could encounter at the TSA security checkpoint at every US airport you travel through.

There are some things you can do to ensure you pass through security quickly and easily, minimizing the delay you experience when you are trying to catch your plane. For a start, you can arrive at the airport leaving plenty of time to get through all the checkpoints needed. Make sure you plan your route well and set off early enough so that unexpected travel delays or problems don’t ruin your plans.

Once you have checked in your bags (you can check in online in order to save even more time at the airport) and you have reached security, make sure you are ready ahead of being called. Take off your shoes and your belt before you reach the conveyor belt and have your hand luggage ready to be checked.

This includes putting all your carry on liquids in a clear plastic bag before you get to security and making sure this bag is accessible. Empty all your pockets before you get into the line and either place items in your bags or keep them in your hand to put in a small bin. Getting organized beforehand helps speed up the process in two main ways – you don’t spend time before passing through security trying to find your laptop or your liquids, and struggling with your shoes or belt, and you spend less time after being screened explaining to the staff why you are carrying items you shouldn’t be, and regretting the items that are confiscated.

]]>Travel Advice: Tipping in the USAhttp://www.ivisitorinsurance.com/visitors-health-insurance/travel-advice-tipping-in-the-usa/
Thu, 04 Apr 2013 14:40:14 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=805Every country has different etiquette and social rules for things like greetings, business and tipping. In the United States it is not obligatory to tip anyone, but tipping is certainly expected in many circumstances. Take a look at the following advice to find out when to tip and how much. Not tipping in certain circumstances can be seen as rude or unpleasant.

Tip the waiters in sit-down restaurants where you are served at the table. In general, 25 percent of the entire bill means the service was outstanding, 20 percent means it was great, 15 percent could signify an OK experience and 10 percent could give the impression that you were unhappy with the meal. This is higher than in many countries, where 10 percent is seen as generous. Service is generally not included in the bill so you need to add it on at the end. The same tipping rate applies to bartenders, hairdressers and barbers, food delivery people and taxi drivers.

Tip a dollar or two for the service given by doormen, parking valets, and porters in a hotel. Generally you should tip higher per night for housekeeper service – up to $5 is normal and more should be given in high-end hotels or when more than three people are staying in the room. Leave the tip out daily rather than wait until the end of your stay as your room may be cleaned by different people each day. Concierge services would be tipped at a higher rate but only if the concierge actually helped you out.

Bear in mind that tips are for service and if the person doesn’t help you, is rude or unpleasant, then you shouldn’t tip. But it is important in the United States to consider that many people work for tips to supplement a low wage and rely on the goodwill of the people they look after. If you got good service, reflect that in your tip.

Travellers to the USA should read some tips and tricks online before going to USA

]]>Group Travel Insurance for Everyonehttp://www.ivisitorinsurance.com/visitors-health-insurance/group-travel-insurance-for-everyone/
Wed, 20 Mar 2013 19:06:55 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=797The task of organizing a group trip abroad is a difficult one and it falls to the tour group organizer or the group leader to keep everything in order. Whether the group traveling abroad is a church group visiting a different country, a school group taking a trip, or a group of colleagues going on a site visit or beginning a project, there is a lot to do to make sure everyone is kept safe and well.
While tour group leaders are often fantastic at getting everyone to the same place at the right time, booking accommodation and arranging meals, even the best leader can fall apart under the stress of dealing with an unexpected illness or a serious injury. In fact, even minor injuries and illnesses can throw a real spanner in the works. One way in which group leaders must be prepared is with insurance that covers their party.

Insurance for groups traveling abroad is essential not just for legal and safety reasons, but also for the assistance the insurers can give the tour leader. Where to take the injured person, how to find medical treatment, who can provide a vehicle and other questions can all be answered on the end of the emergency helpline often provided by insurers.
Further benefits that cover the members of a traveling group include coverage of up to $1 million for medical expenses, dental cover, trip cancellation cover, the cost of diagnostic tests and prescription drugs, medical evacuation to the closest suitable medical facility, and the cost of repatriation. Insurance that covers a group can be the most economical, and the most comprehensive, insurance on the market for foreign travel. Tour leaders check out the economical and convenient quotes available online for all-inclusive packages that cover groups of people from missionaries to exchange students.

]]>Flying with Your Pet: Tips and Restrictionshttp://www.ivisitorinsurance.com/visitors-health-insurance/flying-with-your-pet-tips-and-restrictions/
Wed, 06 Mar 2013 09:33:05 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=763It’s a big decision to take your pet flying with you on vacation or when you are moving to a different part of the country. Sometimes you can choose an alternative – a long drive to your destination, for example, or leaving your pets at home with a sitter. But other times you have no option but to fly with your pets, especially if you are emigrating or going on a long vacation. This information is taken from the Delta airlines pet service – if you are flying with another airline you should check their own policy, although it is likely to be similar.

Some States and countries require health certificates and documentation for your pet so before you go, check at your destination for the rules. There are different options for transporting your pet by air. You can carry on your pet with you in the cabin for a set fee, as long as your pet is small enough to fit inside a kennel under the seat in front of you. There are some destinations that will not allow you to travel with pets in the cabin, so check before departure. Your pet must remain inside the kennel while onboard or while boarding and deplaning.

You can also check your pet into the temperature controlled baggage hold. The kennel must be ventilated on two sides and should be leak-proof. There is a fee for checking, and two pets of the same size and species may be allowed into one kennel to be charged as one pet so long as they are small enough to fit.

In many cases you will need to ship your pet in cargo. Cargo is suitable for warm-blooded animals, non-dangerous and carried in the hold. Travel is stressful for pets so familiarize your pet with the kennel beforehand to ease stress, and walk your pet before departure. Get your veterinarian’s advice on pet tranquilizers as they can often be dangerous at high altitudes.

]]>Romantic Travel Planshttp://www.ivisitorinsurance.com/visitors-health-insurance/romantic-travel-plans/
Wed, 27 Feb 2013 13:05:46 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=753If you’re a romantic you’ve probably had one date circled on your calendar for weeks – 14th February, otherwise known as Valentine’s Day. Many of us like to splash out on our partners on this day dedicated for love – although there are the others who believe that the day was invented simply to part people from their cash. If you’re one of the romantics, how are you going to spend holiday? Do you have a special gift in mind or are you going to take a romantic trip?

Sales of chocolates, roses and soft toys are usually up in the days and weeks prior to Valentine’s Day but many people prefer to save some money and use the time for traveling, or visiting a romantic place together. It’s true that a bunch of flowers lasts a few days while the memories of a trip away last a lifetime, plus traveling together can bring you many benefits as a couple.

If you are planning on taking a trip, where are you likely to go? The world is your oyster and your trip depends on your budget, of course, but there are plenty of ideas. The most popular type of trip is a city break, with couples choosing to travel to a different capital or city to experience culture, fine dining, good nightlife or simply new shopping opportunities.

Another popular type of trip, which is often a little more expensive, is the traditional “romantic” getaway – for example, a week in an over-water villa in the Bahamas. The Caribbean is a popular destination for honeymooners and couples wanting to inject a little romance and luxury into their lives. Other good choices for a romantic break include a cozy, snowed-in trip to the mountains or a short cruise. Depending on your budget, you’re sure to find a romantic break that beats a bunch of roses any day of the year.

]]>Has the Flu Affected Our Vacation Plans?http://www.ivisitorinsurance.com/visitors-health-insurance/has-the-flu-affected-our-vacation-plans/
Thu, 14 Feb 2013 08:43:56 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=728It’s the season for viruses to strike, with the common cold and the flu hitting millions of people across the United States right now. Winter brings with it increasing health complications and it can make getting around difficult. In previous years many people have cancelled travel plans because of a fear of the flu. But have travelers stayed at home this year rather than taking their vacations and business trips as planned?

Travel commentators note that, despite a high number of flu cases in the US, most travelers haven’t been discouraged from flying and taking their vacations. Some people choose to wear facemasks when traveling on planes, trains and buses – there are certainly a few of these about right now at the major airports – but most are not cancelling their travel plans because of fear of the flu or feeling ill.

We all remember the outbreak of swine flu and the impact this had on the travel industry but it seems seasonal flu fears are not prompting people to cancel this year. While some may be concerned with viruses onboard there is no significant increase in people choosing to stay at home rather than go abroad.

This season flu has hit people hard, with the virus causing more symptoms for longer than normal. But travel experts say to go ahead and enjoy your trip as planned – and take out travel insurance in case you fall ill when you are away. Even a simple, non-serious health condition can cost a lot of money to treat when you are not covered by your regular health insurance plan, so international health insurance is a must for overseas travel. Seniors in particular are advised to prepare well for travel in the winter season, to avoid potential problems and health issues.

]]>Main Benefits of Exchange Visitor Insurancehttp://www.ivisitorinsurance.com/visitors-health-insurance/main-benefits-exchange-visitor-insurance/
Fri, 08 Feb 2013 09:07:28 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=714Are you participating in an exchange visit to the United States? Are you planning a trip with your sports team to play in a tournament, or are you starting a period of study at a US college or university? There are many educational, sports and research reasons to come visit the US and a wealth of opportunities on offer for interested people, young and older. But if you come to the United States on an exchange visit did you know that you need exchange visitor Insurance? Read on for the main benefits of visitor insurance for exchange students and other temporary educational visitors.

Anyone entering the US to study or take part in an educational or sporting exchange is required to have insurance for the time they are in the country and taking part in the exchange program. This insurance is to protect students and visitors from the high cost of medical care should they fall sick or be injured while in the States.

Exchange program participants can take advantage of specialized insurance for their needs, which cover a range of benefits to the individual. Main benefits include cover for doctor and hospital fees. If you fall and injure your leg, or fall sick with a virus, you will need to visit the doctor or a hospital. Healthcare in the US is not free and you could end up with a large bill for medical care if you are not covered by some form of insurance.

Dental fees are also covered by exchange visitor insurance so you can get your teeth treated if you need to while you are in the US. And prescription drugs are also included in the plan – useful if you need to continue your treatment after a visit to the doctor. Additional insurance benefits include emergency medical evacuation, accidental death cover and repatriation. Get a free quote online and see how you can protect your trip to America.

]]>What Does Short Term Medical Insurance Cover?http://www.ivisitorinsurance.com/visitors-health-insurance/short-term-medical-insurance-cover/
Sat, 02 Feb 2013 05:43:35 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=695Medical insurance is essential for all visitors and residents of the United States due to the way the healthcare system is set up and the high cost of medical treatment. If you are a resident of the US and you are in full time employment you will normally get your health insurance through your job, or you will pay separately for a long-term policy. However, visitors, recent immigrants and others will not be able to apply for long-term health insurance. For this reason, short term medical insurance is useful.

Short term medical insurance is for people who are between jobs, working part time, recent graduates with no employment, or people waiting for a work plan or other insurance to become effective. Short term insurance benefits are similar, if not equal, to long-term insurance benefits.

The short term plans cover outpatient and inpatient expenses, doctor visits, x-rays, laboratory and diagnostic tests, and surgery. Generally pre-existing medical conditions and dental and vision are not covered. These temporary plans differ depending on the insurer, and you need to check what is covered before you sign up. Plans can be purchased for periods of time between a few months to one year. Again, plans differ depending on the provider so check you are properly covered.

In addition to short term medical insurance you need insurance for your health when you travel. Domestic health insurance, short term or long term, does not normally cover you for any injuries or illnesses that affect you when you are traveling abroad, so make sure you take out a separate travel insurance plan for vacations and business trips. Remember, when you are buying travel medical insurance for the United States it is best to go with insurance from a US insurer.

]]>How to Find the Best Airline Seathttp://www.ivisitorinsurance.com/visitors-health-insurance/find-airline-seat/
Sun, 27 Jan 2013 05:32:35 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=711Your in-flight experience can vary wildly depending on the seat you get on the plane. So if you’ve got a great deal on a flight or found yourself with an upgrade to Business or First class, make sure you don’t blow your good fortune by ending up in the wrong seat. Which is the best place on the plane? How do you decide which seat to go with if you are given the choice?

Every airline is different and uses different planes with different seating configurations, so you need to be aware of what kind of aircraft you are on before you work out which seat is best. There are informative sites on the internet that tell you which seats are positioned where on the main aircraft models flying today. However, be careful because even if you end up getting to know the configuration of one particular aircraft it doesn’t mean it will always be configured the same – different airlines sometimes use different seating plans.

There are certain seats you may want to avoid on any plane, including seats near the restrooms if you don’t want to be interrupted by noise and light every time someone gets up to use them. Similarly, it will always be noisier sitting next to the galley. However, if you are pregnant when flying you may appreciate the shorter distance to the facilities. The same goes for traveling with children – the galley seats often have the cots.

The exit row is a popular choice for travelers and it is true that you may get more legroom. However, the seats tend to be a little narrower to compensate for the stowed tray table. If there are two exit rows then the seats in the one in front often do not recline in order not to block the row behind.

]]>Travel Insurance FAQhttp://www.ivisitorinsurance.com/visitors-health-insurance/travel-insurance-faq/
Mon, 21 Jan 2013 05:28:33 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=708Buying travel insurance is not always a question of choosing the package provided by your tour operator or airline. In fact, it pays to shop around and consider what you need from your international travel insurance before you spend money. Here are a few things to consider when you are buying international travel insurance for your forthcoming vacation or business trip.

Should I buy single trip travel insurance or an annual plan? This depends on how often you travel. If your overseas travel amounts to one week a year then a single trip policy will suit you best. If you travel frequently for business or pleasure then it may be more economical to purchase an annual travel insurance plan. This way you don’t have to worry about getting separate cover for every trip you take. Take care – some annual plans limit the amount of time you can spend abroad per trip; it is worth checking the small print.

When does trip cancellation cover begin? If you buy travel insurance with trip cancellation insurance then the trip cancellation part of the cover usually begins when you buy the policy, and it lasts until you depart for home. This means that it is worth getting your insurance as soon as you book your trip particularly if you are traveling in winter or bad weather season.

What is an excess? The excess is a part of the claim that you, the insured, has to pay. For example if you have an excess of $50 on your baggage then you pay the first $50 in compensation for lost baggage and receive the rest of the value of the items from the insurance company. You can get a lower excess by paying slightly higher premiums. Do travel insurance plans cover winter sports or extreme sports? Some do and some don’t. You need to check the details of your plan to make sure you are covered for the activities you plan to take part in. Shop around for the best deal on winter sports coverage.

]]>Procedure for Insurance Billinghttp://www.ivisitorinsurance.com/visitors-health-insurance/procedure-insurance-billing/
Fri, 11 Jan 2013 06:52:01 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=680We all know that visitor insurance is essential for international travel in order to protect us if we fall ill or are injured while on a vacation or business trip. But fewer of us know what the procedure is if we do need to use our international travel insurance. The fact is that most trips pass off without incident and our insurance is often untouched. But there are occasions when you will need to visit a medical facility or have treatment – what is the procedure for billing?

The answer depends on your insurance provider and the best general advice we have is to look at the small print before you travel so you know exactly what the procedure is. Usually when you visit a doctor or hospital abroad you will pay in cash for any treatment you receive and the medical cost will not be billed directly to your insurer.

You will probably need to pay medical fees yourself but you must keep all receipts and documentation so you can claim the money back from your insurer. Many people wait until they return home in order to claim but for others that may be impossible. In this case, use the international telephone number to call and ask for an explanation of the claims procedure so you can complete it from abroad.

In cases where you are seriously injured and need expensive medical treatment you must contact your insurer, or have someone do it for you. Surgery, emergency medical evacuation and other complex procedures should be completed with the knowledge of your insurer. Make sure you carry the contact details of your insurer at all times so you can easily get in touch. For other insurance terminology advice, take a look at blog posts such as “What are sub-limits?” to set your mind at rest.

]]>How Holiday Travel in US is Affected by Stormshttp://www.ivisitorinsurance.com/visitors-health-insurance/holiday-travel-affected-storms/
Sat, 05 Jan 2013 09:11:26 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=698If you are traveling to the US or you live in the US and need to get around – take care in the coming days due to the heavy snow storms and high winds that have affected regions across the country. According to meteorologists the region stretching from Michigan to the Appalachian Mountains is next to be hit with bad winter weather. This means travel around the Great Lakes and further afield will be badly affected in the next few days.

Travel commentators advise caution when driving and only setting out on a car journey if you absolutely have to travel. If you live in an area affected by snow and ice, or you are traveling through, make sure you are keeping up to date with local weather reports and advice from the authorities.

For winter driving, pack up an emergency kit for your car that includes some food (and hot drinks), a blanket, some snow boots and maybe an extra coat, a flashlight with extra batteries, and a windshield de-icer or liquid de-icer. Before you take the car out into the winter weather, make sure it is fit for driving in snowy or icy conditions. If you are hiring a car, make sure it is suitable for winter driving. In particular, check the tires and make certain they will be safe for snow or ice.

Drive more slowly than usual – don’t be afraid to slow right down if you need to. Make sure your headlights are clear of snow and that your windshield is not obstructed by blown snow or by ice. If you are having problems seeing the road in front of you as soon as you set out, turn back – winter driving is hazardous and should not be attempted in very bad weather conditions.

]]>Enquiring About Visa Ineligibilityhttp://www.ivisitorinsurance.com/visitors-health-insurance/enquiring-visa-ineligibility/
Mon, 31 Dec 2012 05:28:39 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=682If you have applied for a visa to visit the United States and been declined, can you get your money back? And what can you do to find out why you were deemed ineligible for a US visa? here we answer a few questions about the US visa program and what happens if you are turned down.

If you have applied for a US visa you will have paid a fee, but this fee is non-refundable. If you are refused a visa you won’t get the processing fee back. If you are found ineligible for a visa you can apply again at a later date. You must submit a new application and also pay the fee again. You may need to present information that proves your circumstances have changed significantly since the last time you made an application.

Your visa application records are confidential so your partner, family member or friend cannot call on your behalf to enquire about the visa. Sometimes the Department of Homeland Security allows an applicant to apply for a waiver of their ineligibility if they were refused. However, not every denied applicant can apply for a waiver. You will be told if you can apply.

If you are traveling to the United States as a new immigrant on a US visa you need visitors health insurance to cover you until you get a job that pays health insurance or your time in the United States is over. Visitors medical insurance is essential for all visitors to the United States, whether they are staying for a few days or many years. Make sure you allow plenty of time for your visa to be processed, and bear in mind the season who are applying in – leave extra time for applications and for travel during the holiday season.

]]>Safe Flying While Pregnanthttp://www.ivisitorinsurance.com/visitors-health-insurance/safe-flying-pregnant/
Mon, 24 Dec 2012 05:11:45 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=677It is generally considered safe for a woman to fly when pregnant, so long as she is experiencing a healthy pregnancy with no complications. Most airlines will restrict travel after 36 or 38 weeks in the case of a normal pregnancy (check with your airline for their own particular restrictions), and it is not advisable to fly within seven days of your due date. If you’re pregnant, check with your healthcare provider to get the all-clear.

Many women find the best time to fly is within the second trimester, or roughly between weeks 14 to 28. You may be feeling less sick, and more lively. The risk of miscarriage and premature labor are lower. When you fly you are more at risk of deep vein thrombosis so be careful to move around the plane, stretch your legs and feet when seated, and follow the advice of crew members. Wearing special circulations stockings also cuts down the risk of DVT.

Choose your seat with care (if you get a choice). An aisle seat will give you more space and will help when you need to get up frequently to stretch and to go to the bathroom. When you wear your seat belt, fasten it under your bump; across the top of your thighs. Drink plenty of water, fruit juice and other non-alcoholic drinks. You can quickly become dehydrated in the cabin which is not good for you or baby.

Cut stress by packing in advance (take a look at these hints and tips) and choosing your flight outfit in advance – loose, comfortable clothes and shoes you can slip off. Leave yourself plenty of time to get to the airport and try to check-in online to minimize time at the airport and to choose your seat.

]]>Travel Tips For Festive Travellershttp://www.ivisitorinsurance.com/visitors-health-insurance/travel-tips-festive-travellers/
Mon, 03 Dec 2012 11:40:29 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=668We’re almost ready for everyone’s favorite time of the year in the US – the holiday season are almost upon us. A favorite time for everyone who doesn’t have to travel very far, however. We have all had nightmare experiences trying to navigate the holiday traffic to get to a family member’s home, only to arrive late, stressed and exhausted. If you need to travel this holiday season, take a look at the following tips to make Thanksgiving and holiday trips less painful.

If you are traveling during the holiday season you will be faced with high prices – peak travel time is not usually a time to find many travel bargains. However, if you can’t travel outside of peak holiday season then enlist the help of a travel agent or tour operator to find the cheapest fares and accommodation for you. Travel experts have more of an idea which places are likely to run offers and which hotels will have room during the holidays. You get to save a lot of time ringing around places, and potentially some money too.

Pack your case to take account of possible delays and also bad weather. And don’t forget your hand luggage – if you are stuck at the airport waiting for a delayed flight you won’t have access to your luggage and you won’t want to spend on items at inflated airport prices. Pack clothes for bad weather, plenty of things to read, snacks, medications, extra cash and your travel documents. And don’t forget to include your cell phone charger.

Leave for the airport in plenty of time to avoid the inevitable stress-inducing lines and highway problems. If you can, travel to the airport the day before and stay the night in an airport hotel. This ensures you arrive early for your flight, well-rested and relaxed.

]]>Seniors: Plan Ahead for Healthy Travelhttp://www.ivisitorinsurance.com/visitors-health-insurance/seniors-plan-healthy-travel/
Tue, 20 Nov 2012 06:31:00 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=643Increasing years shouldn’t stop you from traveling wherever you want to go – in fact, many more seniors are taking trips to destinations that previously were the haunts of young travelers such as Thailand and South America. However, getting older often means an increased susceptibility to health problems when traveling, from painful knees to increased fatigue. But with some forward planning you can enjoy a safe trip without health worries. Here are a few tips on safe travel for seniors:

Speak to your doctor about your planned trip and he or she will advise you of any limitations you have or anything you need to be especially careful of. You can also get refills of any medication you are currently taking. When you take prescription medication abroad make sure you have a copy of your prescription. It is also helpful to know the generic name of your drugs so that if you need to find a replacement abroad you can more easily find what you are looking for. It’s easy to lose medication on vacation so be prepared and know how you are going to replace it.

Make sure you get travel insurance and a travel assistance plan. You will gain a lot of peace of mind knowing that you can call a hotline to ask for advice should you fall ill abroad. You can find out a list of local doctors and how to claim money on your insurance for any medical treatment.

Pack your own medical kit before you travel. You may not be able to find those trusted, favorite brands abroad and it can be helpful to have over-the-counter medicines easily at hand. You will feel much better if you can treat simple conditions such as a cold with medication that you know will work. You may not need to use any of your supplies but they will be there just in case.

]]>How to Get Around Europehttp://www.ivisitorinsurance.com/visitors-health-insurance/europe/
Mon, 29 Oct 2012 11:24:29 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=631Planning a vacation in Europe? How to you travel the continent so you can see as much as possible during your trip, at an economical price? Europe is a large continent but it is surprisingly easy to get around so you will be able to see many different sights and cities on a relatively short tour. You do need to be selective in what you see, however – plan your itinerary so that you are not rushing too much but you get to see the places that most interest you.

Flying around Europe is a good choice if you can find budget fares on the cheap airlines. You can get some bargains if you book ahead. Another advantage to flying is the journey time – no more overnight or long train trips; you arrive in Spain two hours after you leave London, for example. Check that the airport terminals of budget airlines are not too far from the center of major towns, as this can add expense and time to your flight.

If you have less cash to spare, try the bus. Long distance buses go all over Europe and are cheaper than planes. The buses are reasonably comfortable, although the journey times are much longer. Use the time to relax, watch the scenery and read a book.

Pick up an international drivers license before you go then rent your own transport in Europe. Having your own car is great for visiting out-of-the-way places and going at your own pace. Look for good deals on picking up the car in one city and returning it in another. Alternatively, look to the sea to get around. If you are traveling round the Mediterranean then the boat is a good way to travel, taking you to many different islands from the mainland.

]]>US Visa Process in India Extended to Two Dayshttp://www.ivisitorinsurance.com/visitors-health-insurance/visa-process-india-extended-days/
Sat, 06 Oct 2012 06:56:29 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=573If you are planning a trip to the United States from India, and you are not a citizen of one of the visa waiver countries, then you’ll need to arrange a visa before you can travel. The US visa process is relatively simple but recent changes have affected the way the process works. The US visa interview and visa processing will now take two days instead of one, according to the US consulate last week.

US consulate staff say splitting the visa process over two days will make the procedure smoother and faster for applicants. On the first day, photographs are taken and fingerprints are collected. On the second day you will have the visa interview. In this way, you need to visit the consulate twice but you won’t need to spend more than an hour there on each of the days.

Embassies and consulates in India, who have introduced the new system, say that previously applicants had to spend one full day at the consulate. It was impossible to speed up the process when photograph taking, fingerprints and interview all happened on the same date.

In order to apply for a visa you can call and make an appointment by using one of the consulate call centers. You don’t need to visit on two consecutive days – the appointments can be between a day and 10 days apart, according to your convenience. Consulate officials hope that the new process will make life easier for travelers. As well as a US visa, US visitor insurance is essential. Visitor insurance protects you from unexpected medical bills if you fall ill or are injured when visiting the United States. Once you have arranged your visa, look online for travel insurance to protect your trip.

]]>Tips for Conference Travelhttp://www.ivisitorinsurance.com/visitors-health-insurance/tips-conference-travel/
Sun, 30 Sep 2012 05:51:39 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=557Are you always on the road for your job? Do you need to travel abroad frequently to attend overseas conferences or work events? Make your life easier with some tips for comfortable conference and business travel.

Make sure you’re properly insured before you go, or that your employer has taken care of the insurance details. It helps if you have an emergency number to contact should you get into difficulties abroad when your office isn’t open. Choose your hotel room if you can, and make sure there are a couple of things provided. One is two beds. This may seem like a waste when there is only one of you, but the extra bed gives you a whole lot more space to lay out your work, your clothes, or the stuff you pick up from the conference. Also check that your room has a fridge. You can buy sodas and snacks from outside the hotel and keep them cool in the fridge. This saves you a fortune on room service.

It may seem cheaper to book a room at a nearby hotel rather than pay the rates offered by the conference host hotel but you may end up regretting your decision. It is so much more convenient to be able to access your room in the middle of the conference and take only a few minutes to fetch something you forgot, and you don’t need to get up earlier to travel to the conference.

Make sure you eat and drink enough when you are at the conference. It can be easy to get carried away with doing everything on offer and forget to eat then fill up on wine and beer at the evening reception. Stay well fed and hydrated or risk making a drunken mistake in front of potential clients or work colleagues.

]]>What are Sub Limits in an Insurance Plan?http://www.ivisitorinsurance.com/visitors-health-insurance/limits-insurance-plan/
Mon, 10 Sep 2012 09:52:36 +0000http://www.ivisitorinsurance.com/visitors-health-insurance/?p=489Choosing between visitor health insurance plans can leave you scratching your head in puzzlement. Fortunately there is such a wide variety of plans to choose from you are more likely to end up with something that uniquely fits your needs, not a one-size-fits-all option. But this choice can cause confusion. Should you go for a fixed benefits policy or a comprehensive policy? Does the plan have sub limits?

Sub limits in visitor health insurance refer to a set of limits within a policy clause that is already limited. For example, the sub limit on a travel health plan refers to a limit on the amount you can claim per illness or medical event even when the overall policy has a higher limit on medical expenses. It is worthwhile asking if the plan has sub limits before you make your final decision as sub limits can affect your choice of plan.

For example, a Visitors Care plan has a $1400 max per day, meaning the most you can claim for an illness of injury is $1400. Under the features of this plan you can claim up to this amount for a maximum of 30 days. In contrast, under an Atlas America insurance plan sub limits rarely exist. Here you are covered up to a maximum of $50,000 for the length of your covered period.

Where sub limits exist you may find yourself paying for part of the treatment yourself if you suffer a serious medical event such as a heart attack, or you require critical care following a car accident. With a plan that has no sub limits, so long as your medical bills do not exceed the policy limit you won’t pay more even if your day stay in hospital is expensive. Different people will have different financial and medical needs to choose the plan that suits you.